Thanks to our advanced software programs and vast experience of our insurance coordinators, we can help you use your dental insurance to cover most or all of the costs for your care.
Many Westchester dentists accept Guardian Dental.
Few of them do as much as we to save you money.
In Westchester, Guardian Dental Insurance is one of the most popular dental plans. Many companies in and around Harrison, White Plains, Scasdale, and Rye, offer Guardian Dental to their employees.
Guardian offers a wide variety dental insurance plans, and the type of plan you have depends on the contract your employer signed with them. Many of the plans follow similar structure – but yours may have specific conditions and exclusions not found in any other.
Is what your insurance will pay in any given insurance year. For Guardian, it is typically between $1500 and $2500. Most Guardian Plans define INSURANCE YEAR from January 1 to December 31. Some plans, especially for school employees, may run on July 1-June 30 year. Check with your plan.
what your insurance plan wants you to pay before they cover anything. For Guardian, it is usually $50.
what your insurance plan will pay for checkups, cleanings, X-rays, and sealants and fluoride for children. It is typically 100%, although some plans may pay less. Usually, the deductible does not apply.
there are three types of frequencies allowed, twice a year, twice every 12 months, or once every 6 months. While they sound the same, they are actually very different.
Twice a year means twice every insurance year (typically January to December, but may be July to June, especially for school employees). Within that year, your insurance company will pay for 2 cleanings and checkups.
Twice every 12 months means your insurance company will pay for 2 cleanings and checkups every consecutive 12 months.
Once every 6 months means your insurance company will pay for one cleaning and checkup every 6 months to the day
what your insurance plan will pay for fillings, root canals, gum treatments, and extractions. Most Guardian plans will cover 60-80% of the procedure costs. Sometimes, even though the plan says they will cover 80% of the procedure, their fees are so low that the actual coverage may be less.
crowns, bridges, dentures. Typically, it is 50%, but it is subject to many provisions and restrictions, such as missing tooth clause, alternative minimum benefits, and others.
veneers, teeth whitening, cosmetic bonding, adult orthodontics. No Guardian plan we have seen provides any coverage for these procedures.
varies greatly by the plan. Check with your carrier for specific information.
Some plans do, and some don’t. Many plans will only cover any orthodontic treatment up to 19 years of age, while others have no restrictions. Ask us – we’ll have this information for you in minutes!
Very often, a portion of the treatment is covered. Varies by the plan, inquire about details.
Unfortunately, no dental insurance covers cosmetic dentistry. But if we are replacing old, unsightly fillings and crowns, the replacement is frequently covered, even if done for mostly cosmetic reasons.
Please keep in mind that your plan may be completely different from the general guidelines we have provided here. We use a sophisticated computer system, Dentrix with Trojan Insurance Module, to help us get as much information as possible. Very often, we are able to tell you about your plan in great detail once we know who the employer is. Call us at 914 630 2833 for more information.
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